Market Segment Outlook: US Supplemental Health Insurance

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      <subfield code="a">Market Segment Outlook: US Supplemental Health Insurance</subfield>
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      <subfield code="a">Healthcare Affordability Pressures Continue to Support Supplemental Health Demand -- Stable Demand, Profitability for Vision Coverage -- Value of Supplemental Health Products Highlighted by Healthcare Affordability Concerns -- GUIDE TO BEST'S MARKET SEGMENT OUTLOOKS -- Rating Disclosure: Use and Limitations</subfield>
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      <subfield code="a">AM Best maintains a Stable' outlook for the US supplementary health insurance segment (dental, optical, specific illness, hospital indemnity, accident and combined cover), underpinned by premium growth, a favourable sales environment due to rising out-of-pocket expenses, and strong operating performance. In the dental segment, 2025 saw moderate growth in the number of policyholders and in premiums, with an improvement in the claims ratio thanks to higher rates; in 2026, moderate growth and stable results are expected, also supported by investment income. Demand for optical cover remains stable and profitability is good. Regulatory developments (ratification by the NCOIL of the dental MLR in 2024 and new state initiatives in 2025) may affect product design, pricing and profitability. Regulation of the STLDI remains uncertain and varies from state to state. AM Best will continue to monitor the regulatory implications in 2026.
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